Bread Financial Holdings, Inc. BFH
Latest 10-Q
What changed in Bread Financial Holdings, Inc.'s latest quarterly report, compared with the one before.
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Insider trades
Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.
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13F holders
Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.
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Trades by members of Congress
Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.
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Executive-branch trades
2 tradesTrades in Bread Financial Holdings, Inc. reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.
| The form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company. | The form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000. | Report | ||||
|---|---|---|---|---|---|---|
| Donald J Trump President of the United States | BREAD FINL HOLDINGS read from scan | Sale | Mar 30, 2026 | $15,001 - $50,000 | May 8, 2026 | White House report ↗ |
| Donald J Trump President of the United States | BREAD FINL HOLDINGS read from scan | Purchase | Mar 4, 2026 | $15,001 - $50,000 | May 8, 2026 | White House report ↗ |
Lobbying
What Bread Financial Holdings, Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.
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Lobbying and contracts
$120.0K · — in 12 moWhat Bread Financial Holdings, Inc. reported spending on lobbying next to the federal contracts it was awarded, by year.Lobbying: each report counts once. If a report was amended, only the newest version counts. Totals use the company's own report when it files one (it includes payments to hired firms); otherwise the hired firms' reported income. Registrations and reports with no amount are not counted. A firm that hands part of its work to another firm may report the same money as that other firm does; the filings do not allow us to tell. Contracts: each award is counted once, for the company that received it (or its listed parent when only the parent is matched), in the year of its first obligation. The amount is the total obligated to date, so a later increase is counted in the year the award began. Only awards of $1 million or more are collected. Agencies: the offices named on lobbying reports and the awarding agencies of contracts are matched to one department name (the Army, Navy and Air Force count as the Department of Defense; NIH, FDA and CMS as Health and Human Services). An agency is listed under both when the company lobbied it and was awarded a contract by it in the same period. Offices outside this list, and Congress, are not counted as agencies.
Lobbying Federal contractsBoth bars use one dollar scale.
| Gifts by the company's PAC to candidates for Congress. They come from donations to the PAC, not from the company's own funds. | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 2026 (year to date) | $90.0K | 3 | Computer industry, Taxation | — | — | — | — | $255.5K | — |
| 2025 | $120.0K | 4 | Computer industry, Taxation | — | — | — | — | $41.3K | — |
| 2024 | $30.0K | 1 | Computer industry, Taxation | — | — | — | — | $121.0K | — |
| 2023 | — | — | — | — | — | — | — | $38.5K | — |
Agencies both lobbied and awarding contracts
No agency appears on both sides in the last 12 months.
Lobbying and contract awards are reported separately; showing them together does not mean one caused the other.
Credit card metrics at Bread Financial Holdings, Inc.
Oct 2026Monthly charge-offs and late payments on credit card loans, from Bread Financial Holdings, Inc.'s own reports and the card trusts it sponsors, filed with the SEC
Bread Financial Issuer-wide
Oct 2026: net charge-offs 6.69% (-0.8 pp against a year earlier), 30+ days late 5.64%(-0.5 pp), loans $19.0B. Bread Financial's credit card and other loans.
| Month | Net charge-offs | 30+ days late | Loans |
|---|---|---|---|
| Oct 2026 | 6.69% | 5.64% | $19.0B |
| Sep 2026 | 5.99% | 5.57% | $18.9B |
| Aug 2026 | 6.4% | 5.36% | $18.7B |
| Jul 2026 | 6.8% | 5.35% | $18.5B |
| Jun 2026 | 6.88% | 5.25% | $18.5B |
| May 2026 | 6.98% | 5.24% | $18.4B |
| Apr 2026 | 7.09% | 5.34% | $18.1B |
| Mar 2026 | 7.23% | 5.59% | $18.1B |
| Feb 2026 | 7.7% | 5.8% | $18.1B |
| Jan 2026 | 7.1% | 5.9% | $18.4B |
| Dec 2025 | 7.4% | 5.8% | $18.8B |
| Nov 2025 | 7.4% | 6.0% | $18.1B |
| Oct 2025 | 7.5% | 6.1% | $17.7B |
Loss rate as the issuer labels it: 'Net principal loss rate'.
- Bread Financial, Jan 2024 (definition changed): From January 2024 Bread reports the loss rate on the daily average balance. Before that it used the average of the month's opening and closing balance. Changes are not computed across this month.
- Bread Financial, Jan 2021: The fall to 4.6% follows the December 2020 net charge-off figure of 118.3 million, which was as filed.
- Bread Financial, Dec 2020: As filed: December 2020 net charge-offs were 118.3 million on 16.2 billion of average loans, which is the 8.7% shown. The filing gives no reason; the rate was 5.2% in November and 4.6% in January.
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Oct 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Bread Financial Holdings, Inc.
Jul–Sep 2026Complaints to the CFPB about Bread Financial Holdings, Inc.: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 2,126 complaints, -8.5% against Jul–Sep 2025 (2,323). 100% were answered in time; 38% of the 2,119 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 939 | 44% | 701 | +34.0% | 100% | 47% |
| Credit reporting or other personal consumer reports | 684 | 32% | 924 | -26.0% | 100% | 28% |
| Debt collection | 440 | 21% | 661 | -33.4% | 100% | 37% |
| Payday loan, title loan, personal loan, or advance loan | 41 | 2% | 17 | — | 100% | 40% |
| Checking or savings account | 13 | 1% | 10 | — | 100% | 46% |
| Prepaid card | 5 | 0% | 1 | — | 100% | 25% |
| Debt or credit management | 2 | 0% | 8 | — | 100% | 50% |
| Money transfer, virtual currency, or money service | 2 | 0% | 1 | — | 100% | 100% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Incorrect information on your report Credit reporting or other personal consumer reports | 409 | 525 |
| Fees or interest Credit card | 319 | 216 |
| Took or threatened to take negative or legal action Debt collection | 177 | 311 |
| Attempts to collect debt not owed Debt collection | 152 | 171 |
| Problem with a purchase shown on your statement Credit card | 143 | 92 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 137 | 204 |
| Improper use of your report Credit reporting or other personal consumer reports | 120 | 184 |
| Getting a credit card Credit card | 76 | 76 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Lender stress at Bread Financial Holdings, Inc.
Card, bank and complaint records for this lender, side by side
Bread Financial Holdings, Inc. has monthly card charge-offs (SEC), complaints (CFPB). The page shows them next to each other; each keeps its own source and date.
Bread Financial Holdings, Inc. on Lender stress · All lenders
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Institutional ownership over time
How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.
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More filings and data
Each opens the table.
About the company
The basics from the company’s SEC registration.
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Adjusted for stock splits; not for dividends. Where prices come from.
Live chart
Intraday and historical prices from TradingView. Quotes may be delayed.
Information, not investment advice. Company matching is automatic; check the source before relying on one row.